The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.0.6%
PassDebt under half of equityNot relying on borrowed money.0.18x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$4.2M
MissShare count not growingNot diluting owners. Falling means buybacks.+22.3% in 3 years
Total debt
$9.6M
0.18x equity
Free cash flow
$4.2M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 27After close4:43 pm ET
From the press release
Net income for the nine months ended September 30, 2026 was $1.3 million, or $0.48 per basic and diluted share, compared to net income of $148,000, or $0.06 per basic and diluted share, for the same period in 2025.
Net income amounted to $635,000 for the three months ended September 30, 2026, an increase of $676,000, compared with a net loss of $41,000 for the three months ended September 30, 2025.
The increase in net loan servicing income reflects the retention of servicing on certain loan sales. 2.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.18
vs $0.10
Free cash flow
$12.8M
Share count
+2.1%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
62/ 100
This week
1
Normal week
0.6
vs normal
1.6x
SEC filings of any kind. 50 means a normal week.
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+5.8%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.2x · $9.6M debt
Shares outstandingLatest reported
3M
Why low risk
Share count growing 5.8% a year
Earnings reports
Last 12
Next reportAround Feb 1, 2027 (est.)Estimated from the same quarter last year
Results filedOct 27
Results filedJul 30
Results filedMay 1
Results filedFeb 2
Results filedOct 31, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.